How Your Life Can Be Easier and Cheaper with IoT

Internet of Things Concept – Home Appliances Connected To Smartphone
The way of today’s society is about living life in the fast lane and trying to get as much money as you can get your hands on—no, not you, sticky-fingered kleptomaniacs. Imagine devices that collect and transfer information instantly and can also save you money in the long-run. I’m referring to what’s known as IoT, or, the Internet of Things.
What “things”, you may ask? With such a broad title, what “things” are including the internet? It’s anywhere from home-security devices, to a toothbrush. What even is IoT? The Internet of Things uses a system of devices implanted with a technology that senses different aspects of that device’s surroundings and relays that useful information right to your cell phone. This technology can take the details of your everyday life and instantly send those facts to help you improve the quality of your life in many ways.
IoT includes devices that instantly measure carbon dioxide levels to prevent housefires via the smoke detector in your home, and doorbells that enable you to answer your door from your office space and have a face-to-face conversation from work. Also, the toothbrushes that measure the exact surface area of your teeth you are brushing, preventing too many trips to the dreaded-dentist’s office.
By having IoT connected to a security device in your home, with quick-response alarms equipped with built-in cameras that send notifications directly to your smart phone, the risk of emergency situations and burglaries in your home can greatly be reduced. When your agent notices you have preventative devices to protect your home, they are likely to reduce the cost of your home insurance.
Similarly, using an app on your smart phone enabled with UBI, or usage-based insurance telematics, to measure how quickly you stop and accelerate, your speed, even what time you’re driving, can result in discounts on car insurance. Some insurance companies use your driving record to decide how much your insurance is. This depends on how your driving is, rated on a scale from 80-year-old grandma, to absolute maniac. Just kidding, I think the scale involves more numbers.
This form of technology has begun to attach itself to numerous devices we use in our everyday lives, and it will only continue to impact our lives in the future, so let’s use it to our advantage.
By: Kaylynn
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Spring Sales and Safety: Managing Home Insurance Risks During Real Estate Season
Selling your home this May? Make sure your homeowners insurance is ready for the foot traffic of a spring open house.
The Mother of Mother’s Day: The Surprising History of Anna Jarvis
Did you know the founder of Mother’s Day ended up hating the holiday? Explore the fascinating, bittersweet history of our favorite May Sunday.
Small Business, Big Targets: Strengthening Your Cyber Defenses This May
Don’t be an easy target. This Small Business Week, learn how Cyber Liability insurance protects your shop from the “invisible” risks of 2026.
The Greatest Gift: Why Life Insurance is the Ultimate Act of Motherhood
This Mother’s Day, give the gift of certainty. Discover how modern life insurance provides “Living Benefits” that support moms through every stage of life.
Caring for the Caregivers: National Nurses Week and Professional Auto Discounts
Thank a nurse this week! Discover how healthcare professionals can access exclusive “Professional Discounts” on their auto insurance.
More Than a Bouquet: Protecting Mother’s Day Jewelry and Fine Gifts
Did Mom get something sparkly this year? Ensure her Mother’s Day gifts are properly insured with a specialized “Scheduled Personal Property” floater.
Ribbons, Roots, and Revelry: The Ancient Magic of May Day
Happy May Day! Discover the ancient origins of our favorite spring traditions and the surprising history behind the “Mayday” distress signal.
Big Dreams, Small Business: Celebrating Your Legacy During National Small Business Week
You are the heartbeat of your business. This Small Business Week, learn how to protect your legacy with Key Person insurance and smart continuity planning.
More Good Days, Together: How Mental Wellness Impacts Your Life Insurance in 2026
Your mental health matters as much as your physical health. Discover how prioritizing your wellness can actually improve your life insurance options this May.
The Greatest Two Minutes in Sports (and Liability): Kentucky Derby Driving Tips
Don’t let a “Derby Day” celebration lead to a claim. Discover the hidden insurance risks of carpooling and informal ridesharing this Saturday.